How to have money when life throws a curve ball and you need a car repair or leaky roof.

I always seem to pay all my bills on time and find ways to pull $$$ out of no where when I absolutely need it . I have 2 different savings accounts , one is a line of credit of $500, another is $1,000 that I can't touch ( unless in dire need ) . Both of these accounts help my credit every month and when I need an extra boost I have it . My line of credit has saved me on more than one occasion , and I can pay $75/ mo on it or pay it all back in a month . I usually pay it back in a week or two. It's always good to have something to fall back on even if it's just to get you through the week.